Climate risk · Real estate valuation
Enter an address.
See what climate risk costs.
Climassay scores flood, storm, heat, and wildfire risk at the property level — then shows how much that risk discounts the value. Free. No account. Results in seconds.
Live output examples
2847 Larimer St, Denver CO
Residential · Low Risk
15.0
🌊 Flood
10
FEMA Zone X
⛈ Storm
18
NOAA SPC
🌡 Heat
22
EPA EJScreen
🔥 Wildfire
12
USDA WUI
Purchase Price$925,000
Climate-Adj. Value$897,250
Climate Discount−3% · Low tier
FEMA NFHL · NOAA SPC · EPA EJScreen · USDA WUI · Census ACS · FHFA HPI
1221 Brickell Ave, Miami FL
Commercial · High Risk · Office NNN
69.4
🌊 Flood
80
FEMA Zone AE
⛈ Storm
72
NOAA IBTrACS
🌡 Heat
68
EPA EJScreen
🔥 Wildfire
22
USDA WUI
Purchase Price$4,200,000
Climate-Adj. Value$3,024,000 (−28%)
Net Owner Exposure−$470,400 after NNN pass-through
FEMA NFHL · NOAA IBTrACS · EPA EJScreen · USDA WUI · Census CBP · HUD FMR
01
Built for anyone who touches real estate.
Whether you're buying your first home or managing a commercial portfolio — climate risk is now a financial risk. Climassay makes it visible.
Home Buyers
Know before you close
Enter any address and see its flood zone, storm history, heat exposure, and wildfire risk — then see how much that risk discounts the value vs a comparable low-risk property. Takes 10 seconds.
Investors & Acquisitions
Screen before you underwrite
Score any target property in seconds before committing to full underwriting. Flag high-risk assets early. Run Low, Moderate, and High scenarios against your purchase price and hold period assumptions.
ESG & Compliance
A citation trail built in
Every score includes full source attribution and peer-reviewed discount methodology — exactly what TCFD physical risk disclosures, SEC climate filings, and GRESB benchmarking require.
Supports reporting under
TCFD Physical Risk
SEC Climate Disclosure
SFDR Article 8 / 9
GRESB ESG
NCREIF Climate Risk
02
From address to adjusted value in seconds.
No account. No API key. No data upload.
01
Enter any US address
Residential or commercial. Add a purchase price and rent for a full valuation, or leave financials blank for hazard scores only.
02
Get property-level hazard scores
Flood, storm, heat, wildfire, drought, and wind — each scored 0–100 from live federal sources. The weighted composite is shown with the full formula, so every number is auditable.
03
See the climate-adjusted value
Discounts anchored to peer-reviewed transaction data. Commercial mode adds asset-class-specific discounts and lease pass-through rates. Three risk scenarios shown side by side.
03
Federal data. Peer-reviewed discounts. Fully cited.
No black-box models. No proprietary indexes. Every score is traceable to a specific dataset and a specific study.
Hazard scoring
FEMA · NOAA · EPA · USDA
Flood zones from FEMA NFHL. Storm tracks from NOAA SPC and IBTrACS. Heat exposure from EPA EJScreen. Wildfire from USDA WUI and USFS Wildfire Hazard Potential. All queried live at property coordinates.
Valuation baseline
Census ACS · FHFA · HUD
Tract-level home values from Census ACS 5-year estimates, appreciated forward using FHFA HPI. HUD Fair Market Rents as a rent benchmark. Multi-signal blend with explicit confidence tier.
Climate discounts
Peer-reviewed studies
Low −3% (Beltrán et al. 2018). Moderate −11% (Ortega & Taspinar 2018). High −24% (Keys & Mulder 2020; Ouazad & Kahn 2022). Hazard-weighted, not bucket-averaged. Full citations in methodology.
Forward-looking
NOAA CMIP6 · IPCC AR6
2050 heat projections under moderate and high emissions scenarios from IPCC AR6 CMIP6 models. Sea level rise from NOAA CO-OPS tide stations for coastal properties. Aligned with UNDRR Sendai Framework.
Start screening properties today.
No account, no API key, no data upload. Enter any US address and get a full climate risk profile in under five seconds. Free.